Overview / Commentary
225-342-5055
700 Main St
Baton Rouge, LA 70802-5501

La Capitol Federal Credit Union is headquartered in Baton Rouge and is the 5th largest credit union in the state of Louisiana. It is also the 547th largest credit union in the nation. It was established in 1961 and as of June of 2018, it had grown to 177 employees and 48,095 members at 17 locations. La Capitol Federal Credit Union's CD rates are 2X the national average, and it has an A health rating.

Field of Membership Restrictions

Membership is open to anyone through membership in the Louisiana Association for Personal Financial Achievement ($20 annual dues). Membership is open to the following: (1) those who live, work, worship, or attend school in the City of Baton Rouge or in the Parishes of Allen, Grant, Lincoln, Natchitoches, Ouachita, Rapides, Terrebonne or Tangipahoa; (2) students of University of Louisiana at Monroe, Louisiana Tech University, Northwestern State University, Southeastern Louisiana University, Delgado Community College, Nunez Community College, or Baton Rouge Community College; (3) employed by an agency of the state of Louisiana not already covered by a credit union and to immediate family.
See current membership details

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Reviews (5)

Good Credit Union!

Posted by: renatl | Mar 10, 2018

I have been a customer with La Capitol for about a year. I like getting 4.25% interest every month. Making 25 debits a month seems a lot but there are no minimum amounts for these. There is a change as of 4/1/18 where they are lowering it to 15 debits a month, cap is now $3,000 vs. $5,000 on 4.25% but over $3,000 it is 2% which still isn't bad. They have great customer service and I would highly recommend this bank. You will need to make a $20 donation but it is worth it to me.

Membership

Posted by: gremln007 | Feb 18, 2012

Just posting to advise that anyone can join credit union by joining Louisiana Association for Personal Financial Achievement (ACHIEVE) for $5/year.  Web site for ACHIEVE is: www.lapfa.org.

It is unclear to me at the moment if you have to be a LA resident to join ACHIEVE.  I will post again if I can figure this out.

La Capitol Has My Money & Wont Give It Back

Posted by: jmpata | Nov 6, 2018

I have not been refunded by $50 and $5 initial account funding transactions from back on Oct 23rd/24th when I applied for a new checking account at La Capitol Federal Credit Union and decided to cancel my application since they asked me to contribute $20 annually to Louisiana Association for Personal Financial Achievement (ACHIEVE). I did not want to have to contribute $20 annually to Louisiana Association for Personal Financial Achievement (ACHIEVE) so I asked La Capitol Federal Credit Union (employee L360 / opsnao / Maryland) to cancel my application for new account and refund my $50 and $5 initial account funding transactions. To date I have not received my money back and I have not received an account or account number from La Capitol Federal Credit Union, they are simply holding my money in limbo. I am filing a formal complaint to the National Credit Union Administration (NCUA) via mycreditunion.gov against La Capitol Federal Credit Union

Very Disorganized And Difficult To Use

Posted by: LeslieAT1 | Jul 19, 2017

In opening a saving account and Visa credit card at La Capitol I have had one problem after another. The website is difficult to use, and the forms sometimes don't function properly. I have had to submit the same form regarding autopay three times, and getting auto pay turned off has taken 4 months. They keep charging my saving account for each of these overdrawn payments (which I keep asking to have turned off, as I mail my payments for the credit card each month). Hold times are long, and most of the time the person I speak to "doesn't have the authority" to do most things I am asking about. As soon as I pay my credit card off, I will with a sigh of relief close the checking account I am required to keep as part of my credit card agreement. I have literally spent HOURS on the phone this year with La Cap, and look forward to a time when my debt will be paid, or held by another company. Sad, as I am a big supporter of credit unions. If you can open an account somewhere else, I highly suggest it.

Very Disappointed Former Customer

Posted by: tmm | Aug 17, 2012

Being a previous loan customer apparently means nothing to LA Capitol. Tried to finance another loan through them and instead of being willing to do a little extra work to help us they just tell you no because they can't verify information. Well, if you don't try then you definitely can't. Terrible attitude from rep working with us and an unwillingness to do a small amount of work to earn business and help a potential customer. Apparently LA Capitol has all the business they need if they treat people like this! If you are looking for an auto loan and want someone who will "work" for you don't bother going to LA Capitol.



Health

Health Grade Components

Overall
NCUA #14568
Year Chartered1961
Employees177
Primary Regulator
Profit Margin
Return on Assets - YTD0.86%
Return on Equity - YTD7.57%
Annual Interest Income$9.1MM
Assets and Liabilities
AssetsQ2 2018vs Q2 2017$503.8MM$505.0MM
LoansQ2 2018vs Q2 2017$329.3MM$332.5MM
DepositsQ2 2018vs Q2 2017$443.4MM$445.5MM
Equity CapitalQ2 2018vs Q2 2017$57.2MM$56.5MM
Loan Loss AllowanceQ2 2018vs Q2 2017$2.8MM$2.2MM
Unbacked Noncurrent LoansQ2 2018vs Q2 2017$2.7MM$3.3MM
Real Estate OwnedQ2 2018vs Q2 2017$0$0
Rates
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Always verify rates and promotions with the bank or credit union. We are not La Capitol Federal Credit Union; we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

La Capitol Federal Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.00%-$5kIRA Plus Account with La Cap Checking
0.30%-$5kIRA Plus Account
0.30%--IRA Floating Rate Account
0.30%--IRA Floating Rate Account with La Cap Checking
0.30%--Coverdell Education Savings
0.25%$5k-Elite Saver Savings
0.15%$100-Regular Savings
0.15%$100-Special Savings
0.15%$100-Christmas Club Savings

La Capitol Federal Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.25%*-$3kChoice Plus Checking
OTHER TIERS: 0.10% $10k+ | 2.00% $3k - $10k
4.25%*-$3kChoice Checking
OTHER TIERS: 0.10% $10k+ | 2.00% $3k - $10k
0.15%$2.5k-Liquid Assets Checking

La Capitol Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.00%$100k-5 Year Super Saver Share Certificate with La Cap Checking
2.90%$100k-4 Year Super Saver Share Certificate with La Cap Checking
2.90%$500-5 Year Thrifty Saver Share Certificate with La Cap Checking
2.80%$500-4 Year Thrifty Saver Share Certificate with La Cap Checking
2.70%$100k-3 Year Super Saver Share Certificate with La Cap Checking
2.65%$100k-2 Year Super Saver Share Certificate with La Cap Checking
2.60%$500-3 Year Thrifty Saver Share Certificate with La Cap Checking
2.55%$1k-2 Year Thrifty Saver Share Certificate with La Cap Checking
2.50%$100k-5 Year Super Saver Share Certificate
2.45%$100k-1 Year Super Saver Share Certificate with La Cap Checking
2.40%$500-5 Year Thrifty Saver Share Certificate
2.40%$100k-4 Year Super Saver Share Certificate
2.35%$1.5k-1 Year Thrifty Saver Share Certificate with La Cap Checking
2.30%$500-4 Year Thrifty Saver Share Certificate
2.20%$100k-3 Year Super Saver Share Certificate
2.15%$100k-2 Year Super Saver Share Certificate
2.10%$500-3 Year Thrifty Saver Share Certificate
2.05%$1k-2 Year Thrifty Saver Share Certificate
1.95%$100k-1 Year Super Saver Share Certificate
1.85%$1.5k-1 Year Thrifty Saver Share Certificate
1.05%$2.5k-6 Month Share Certificate
0.30%$5k-91 Day Share Certificate

La Capitol Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.65%*$20k*-2 Year IRA Certificate Account with La Cap Checking
OTHER TIERS: 2.55% $5k - $20k
2.15%*$20k*-2 Year IRA Certificate Account
OTHER TIERS: 2.05% $5k - $20k
Locations

Availability



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